A Boring Dystopia

Wow a 100% interest rate? What a bargain!

Technically, you were.

Glad I'm not the only one getting mad when I see/hear an add now 😭

Why? She needed a latte, and because she suffers from poor choices, she can now get a $8 latte that will cost $219 to pay back!

My first taste of pure evil capitalism was when my fast food job in college was forcing everyone to switch to getting a "cash card" rather than a check. That card had a $0.25 fee every time you used it.

I don't know if it still exists or if sane politicians told companies that shit was illegal.

Considering i don't plan on retiring, this is fine -- i will leave as much debt as possible in my wake when i move onto the great gig in the sky 😇

By next week you should be able to roll that over and get a second mortgage secured against the first pizza for a new pizza.

They’ve been here to stay. They just yassified them and are now aiming them at a different demographic. They’re trying—against all logic—to gentrify poverty traps. Welcome to the future.

Payday loans making a comeback, eh?

They never left. The financial vultures just keep renaming them and finding other loopholes to skirt regulations and keep trapping victims in their endless debt spirals.

Yeah. Probably, she read the terms and conditions.

Do you mean wary or does it make you tired?

I'm the same way and I just had to sign up for a credit card specifically for vet bills because my dog needs emergency surgery. The vet told me the specific card isn't super predatory or whatever, but I didn't really have any time to think things over. I just want my dog better, and I know that I can't afford it on my own rn.

It's Uber all over again. "Disrupt" a market by doing the same thing but with an initial honeymoon period of benefits, then when people have gotten used to your service, rain down the enshittification. Fewer regulations and oversight greatly help this endeavor.

Honestly these microloan apps are arguably less predatory than credit cards because they usually give you three months to pay and don't charge interest as long as you make those payments.

It's still absolutely predatory as fuck, but if you are poor credit cards are just way fucking worse.

Same thing with YouTube. I wish I could vent to the people responsible for putting rubbish in front of me. They deserve to hear my opinion as much as they think they have the right to serve me that ad.

I think ads on the internet should only be allowed if they allow comments, with extremely limited moderation capabilities so that they can't just delete all the comments they don't like.